Current Promotions

* APR = Annual Percentage Rate. Loan decisions are based on applicant creditworthiness. Must be an Inspire FCU member in good standing and meet all lending requirements. Inspire FCU reserves the right to terminate this promotion at any time without notice. Limited time offer. Includes refinance of 2014 or newer model vehicles. Minimum loan amount of $5,000 with a floor rate of 5.50% APR. Existing loans at Inspire are not eligible. Price per $1,000 borrowed at 5.50% the cost is $18.31 for a 63-month term. APR, terms and/or loan to value of vehicle vary based on model year of vehicle and applicant creditworthiness. No payment for 60 days, whereby first payment is extended out up to 60 days from the date the loan funds are disbursed. Finance charges will continue to accrue until the first payment and negative amortization may occur. No payment for 60 days is based on individual creditworthiness and approved credit. All loans are subject to credit approval. Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. ¹The account must be opened within 60 days of the new auto loan. Direct deposit must be for $250 or more. $50 will be credited to the loan holders new checking account after the first automatic deposit posts. All loans are subject to credit approval. Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. See credit union for details. Federally insured by NCUA.**60-day no payment is offered on direct auto loans to Inspire FCU members. During 60-day no pay interest will accrue on the principal balance. Interest is not deferred during the first 60 days.

†APY=Annual Percentage Yield. APY is accurate as of 01.04.2023. Initial deposit cannot include money already on deposit at Inspire FCU. $25 minimum deposit to open.  These rates apply to High Yield checking accounts. High Yield Checking is a tiered-rate account. APY is calculated as an average daily balance throughout the statement cycle, not on balance at the end of the statement period. Once a particular balance range is met, the dividend rate and APY for that range will apply to the full balance of your account. Rates are variable and may change after account is opened. Dividends post on the last day of the month. Fees may reduce earnings, please see our fee schedule. ¹Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. See credit union for details. Federally insured by NCUA.

**New Checking Account Offer available to new consumer Everyday or Rewards checking account members; members with current checking accounts are not eligible for new account bonus of $300. Earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 60 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income. Checking account must be open for 60 days before $300 checking bonus will be credited. Bonus deposit will be paid into your Inspire FCU checking account if the account is in good standing at time of incentive processing. If any of the preceding qualifications are not met, the new account bonus will not be received by the member. The credit union reserves the right to cancel promotion at any time. Federally insured by NCUA. Other restrictions apply. Federally insured by NCUA. **Please visit our rates page for full disclosure and account terms and conditions. Earn up to 1% Cash Back on debit card purchases. To qualify for cash back reward, account must make 15 signature-based debit card purchases that post and clear the Rewards Checking account during the month in which the rewards are paid. Purchases/transactions may take one or more business days from the date the purchase is made to post and clear an account. If you meet the requirements, your cash back credit will be credited to your Rewards account on the last business day of the month. The qualifying purchase period begins on the first day of the month and continues through the last business day of the month in which the rewards are paid. Rewards Checking accounts are not to be used for commercial purposes. Maximum monthly cash back reward is $25 ($2,500 in signature based transactions). See credit union for more details. Federally insured by NCUA.

***APR = Annual Percentage Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR will be based on creditworthiness and income. Qualifying applicants will receive an introductory rate of 4.25% APR that will expire after 6 months and a new rate will adjust to a variable APR between 7.49%–11.50% APR, but not to exceed 15% APR, depending on creditworthiness and Loan to Value. Maximum loan amount eligibility for intro rate is $250,000. Loans greater than $250,000 will be subject to regular rate, which is based on prime rate as published in the Wall Street Journal plus/minus a margin. Existing Inspire FCU Home Equity Loans are not eligible for the introductory rate of 4.25% APR. Introductory rate is available to new home equity loan borrowers only. $5,000 initial draw required for Introductory rate. APR. Certain restrictions may apply to introductory rate and not all borrowers will qualify. Home Equity Line of Credit is a Variable Rate product which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the first business day of December, March, June and September of each year. The “Index” plus or minus the margin equals the Interest Rate. Changes in the index will cause changes in the Interest Rate on the first day of January, April, July and October of each year. Interest you pay may be tax deductible. An early closure fee may apply — see Credit Union fee schedule for details. Property insurance is required for real estate secured loans. Consult a tax advisor regarding the deductibility of interest. The minimum monthly payment is $50. Federally insured by NCUA. Equal Housing Lender.